Call reports 2002
DEWITT SAVINGS BANK — 2002
What DEWITT SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 76,976,000 | 79,949,000 | 81,268,000 | 81,950,000 |
| Total loans | 36,272,000 | 35,963,000 | 34,688,000 | 34,339,000 |
| Allowance for loan losses | 75,000 | 92,000 | 105,000 | 547,000 |
| Securities available for sale | 29,552,000 | 31,725,000 | 27,872,000 | 26,293,000 |
| Securities held to maturity | 340,000 | 340,000 | 865,000 | 865,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,624,000 | 64,420,000 | 65,118,000 | 67,912,000 |
| Interest-bearing deposits | 60,810,000 | 63,508,000 | 63,353,000 | 63,884,000 |
| Noninterest-bearing deposits | 814,000 | 912,000 | 1,765,000 | 4,028,000 |
| Equity capital | 5,640,000 | 5,977,000 | 6,368,000 | 6,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,150,000 | 2,347,000 | 3,593,000 | 4,885,000 |
| Interest expense | 677,000 | 1,357,000 | 1,991,000 | 2,568,000 |
| Net interest income | 473,000 | 990,000 | 1,602,000 | 2,317,000 |
| Noninterest income | 147,000 | 227,000 | 478,000 | 598,000 |
| Noninterest expense | 410,000 | 832,000 | 1,285,000 | 1,969,000 |
| Provision for loan losses | 10,000 | 42,000 | 59,000 | 511,000 |
| Pretax income | 200,000 | 343,000 | 736,000 | 435,000 |
| Income tax | 78,000 | 135,000 | 294,000 | 150,000 |
| Net income | 122,000 | 208,000 | 442,000 | 285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,880,000 | 5,965,000 | 6,193,000 | 6,052,000 |
| Total capital | 5,955,000 | 6,057,000 | 6,298,000 | 6,550,000 |
| Risk-weighted assets | 40,662,000 | 42,428,000 | 40,647,000 | 39,805,000 |